Binji is an all in one debit mastercard that can store up to 24 different debit or credit cards. All in one cards were all the rage a few years ago, in fact the founder of Binji also had a similar product called Plastc that failed to launch. Binji isn’t just an all in one card though, it also comes with a FDIC insured spending account and there is a mobile app as well. Binji costs $89.
I definitely think all in one cards are interesting, especially when you can add so many different cards. Given Binji itself is a Mastercard debit card it will be interesting to see how this actually functions in real life. All that being said given the founders history with Plastc I’m very hesitant to even try this new product.
Update: It looks like it doesn’t actually save the cards you add to your account, instead you basically fund your Benji account with the linked cards. Linked credit cards come with a 3% fee.
I’m not understanding the value proposition for the user. The reason I’d be interested in an All in One card is because then I wouldn’t need to carry my seperate optimal cards for grocery spend, gas, AMEX offers, Chase offers, restaurants ect. But this card does not accomplish that. Let’s say I spend $50 on gas w Binji and select my PenFed Visa which offers 5% cashback on gas as the card to be debited. The charge to my PenFed card would be for the merchant “Binji” and not the gas station meaning instead of earning 5% cashback I am paying a 3% fee for the transaction. And I am supposed to be paying an $89 annual fee for this?!
It’s a mess from their limits not being accurate on the card, to them taking money from your debit card but not posting it on their balance sheet because it says ERROR when you try and fund and don’t realize until later that the card was drained but Binji didn’t report it as so. Abysmal customer service, though nice, can’t do anything. Looks like it’s two main staff members from the Philippines.
For now, at least, stay away~
Thanks for the report. Kudos to you,
Wren24 , and 
Josh for paying the $89 to try this and share how it turned out.
Won’t load any prepaid cards, and even wants to charge me 3% to load some of my normal debit cards. They won’t accept a return since I opened the box. What I waste, should’ve listened, though I’m always a sucker for this kind of stuff. Should’ve learned with plastic
Did you test with a visa prepaid or VGC?
Just received my card today, it does not allow for any GC balances to be added to the Binji balance.
You get no rewards from category based cards, you pay 3%, and $89. What the selling point other then lightening your wallet. Literally and figuratively.
I first saw Binji via a FB ad about a week ago. I thought it sounded very similar to Plastc. I saw that it wasn’t truly adding the 24 cards but just funding like Venmo. What I just discovered is that Ryan Marquis, the CEO of Plastc is the guy who started Binji! Ran off with our 9 mil and started a new company.
https://www.linkedin.com/in/rymarquis/
Rob me once ,,, I am running away as fast and as far as I can the second time.
I’ll stick with Samsung pay… they offer some pretty good deals on GC’S. John 3:16
As one of the first backers of Coin and Plastc I am always excited by technology like this.
Coin was OK, but it failed on many point of sales terminals for some reason. It then went the way of the dinosaurs when they were bought out by Fitbit.
Fast forward to the Plastc campaign I almost immediately backed it but after a few failed “launch” dates all backers get a “Sorry we declared bankruptcy and we have all your money and don’t plan on giving anyone anything back.” That was a loss of $150, if memory serves me correctly. The CEO Ryan Marquis is a fraud and and a professional con-artist.
He is now at it again with this “new and revolutionary” card.
Thanks but no thanks.
Everyone on this blog should spread the word about this guy and any company he is involved with. They will rob and cheat you out of your money.
Put the $89 bucks towards min spend on a card to get something more worthwhile 🙂
For me, it would only be useful if the Benji account could be loaded with visa or mc gift cards. The T&Cs say the fee to load with debit cards is $0.00
The fake reviews on the app store and google play kill me hahaha. Like many others said, anybody that buys this is a sucker